Mortgage lenders in Contra Costa County
19,926 mortgages were made in Contra Costa County, California, in 2025, by 537 lenders. The median rate their borrowers got was 6.625% on a median loan of $505,000. Of 26,926 decisions, 5,701 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,816 | 6.499% | $575,000 | 13.4% |
| Rocket Mortgage, LLC | 1,644 | 6.625% | $485,000 | 19.2% |
| Bank of America, National Association | 951 | 5.990% | $405,000 | 34.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 748 | 6.750% | $635,000 | 3.4% |
| U.S. Bank National Association | 681 | 6.250% | $710,000 | 29.5% |
| JPMorgan Chase Bank, National Association | 483 | 6.250% | $735,000 | 14.6% |
| Wells Fargo Bank, National Association | 483 | 5.875% | $1,005,000 | 11.7% |
| Loandepot.Com, LLC | 427 | 6.625% | $475,000 | 21.0% |
| Fremont Bank | 406 | 8.250% | $255,000 | 30.3% |
| PENNYMAC LOAN SERVICES, LLC | 394 | 6.500% | $630,000 | 14.1% |
| Patelco Credit Union | 385 | 8.000% | $155,000 | 14.6% |
| CMG MORTGAGE, INC. | 373 | 6.500% | $595,000 | 3.9% |
| EVERETT FINANCIAL, INC. | 303 | 6.625% | $485,000 | 5.3% |
| Citibank, National Association | 290 | 5.875% | $1,005,000 | 13.9% |
| Broker Solutions, Inc. | 282 | 6.625% | $495,000 | 9.9% |
| BMO Bank National Association | 271 | 8.180% | $395,000 | 40.6% |
| THE GOLDEN 1 | 258 | 6.125% | $820,000 | 31.5% |
| SPRING EQ, LLC | 252 | 8.950% | $105,000 | 57.9% |
| GUARANTEED RATE, INC. | 242 | 6.500% | $585,000 | 6.0% |
| CHEVRON Federal Credit Union | 194 | 7.500% | $355,000 | 16.2% |
| Vellum Mortgage, Inc. | 191 | 6.625% | $635,000 | 1.5% |
| FIGURE LENDING LLC | 188 | 8.850% | $105,000 | 26.3% |
| THE LOAN STORE, INC. | 179 | 6.875% | $445,000 | 15.7% |
| PNC Bank, National Association | 173 | 5.875% | $300,000 | 27.4% |
| Commerce Home Mortgage, Inc. | 170 | 6.990% | $565,000 | 4.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 165 | 6.625% | $555,000 | 8.3% |
| NEWREZ LLC | 155 | 6.625% | $535,000 | 40.4% |
| TRAVIS CREDIT UNION | 150 | 7.240% | $145,000 | 12.2% |
| PACIFIC SERVICE CREDIT UNION | 149 | 7.500% | $105,000 | 18.5% |
| NATIONSTAR MORTGAGE LLC | 148 | 8.500% | $105,000 | 22.7% |
| Coastal Community Bank | 125 | 9.740% | $95,000 | 4.1% |
| GUILD MORTGAGE COMPANY | 123 | 6.625% | $495,000 | 7.3% |
| KIND LENDING, LLC | 118 | 6.625% | $515,000 | 29.7% |
| Kiavi Funding, Inc. | 118 | 9.250% | $525,000 | 3.9% |
| MLD MORTGAGE INC. | 117 | 6.125% | $525,000 | 2.3% |
| Third Federal Savings and Loan Association of Cleveland | 116 | 6.990% | $170,000 | 36.5% |
| Paramount Residential Mortgage Group, Inc. | 114 | 6.125% | $505,000 | 3.4% |
| ALLIANT CREDIT UNION | 109 | 7.750% | $205,000 | 30.2% |
| Provident Credit Union | 107 | 6.250% | $265,000 | 0.9% |
| OCMBC, INC. | 105 | 6.999% | $495,000 | 14.7% |
| AMWEST FUNDING CORP. | 104 | 7.000% | $515,000 | 10.3% |
| Mechanics Bank | 103 | 6.500% | $695,000 | 20.3% |
| Charles Schwab Bank, SSB | 96 | 5.638% | $925,000 | 1.0% |
| Navy Federal Credit Union | 95 | 7.750% | $195,000 | 38.2% |
| 1ST UNITED SERVICES CREDIT UNION | 95 | 5.500% | $125,000 | 40.3% |
| Morgan Stanley Private Bank, National Association | 90 | 5.850% | $980,000 | 6.2% |
| AMERITRUST MORTGAGE CORPORATION | 89 | 6.875% | $565,000 | 5.3% |
| Cornerstone First Mortgage, Inc | 85 | 6.750% | $905,000 | 1.2% |
| ALAMEDA MORTGAGE CORPORATION | 82 | 6.490% | $585,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 80 | 7.250% | $390,000 | 36.7% |
| FINANCE OF AMERICA REVERSE LLC | 79 | 8.740% | $385,000 | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 77 | 6.250% | $565,000 | 19.7% |
| STAR ONE Credit Union | 77 | 6.375% | $405,000 | 25.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 76 | 8.115% | $155,000 | 27.4% |
| East West Bank | 76 | 6.125% | $490,000 | 15.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 76 | 10.513% | $205,000 | 10.1% |
| Mortgage Research Center, LLC | 75 | 6.125% | $625,000 | 26.7% |
| KBHS HOME LOANS, LLC | 74 | 5.933% | $635,000 | 5.1% |
| ENVOY MORTGAGE, LTD | 71 | 6.375% | $555,000 | 1.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 70 | 6.375% | $605,000 | 9.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 70 | 6.250% | $455,000 | 14.3% |
| General Mortgage Capital Corporation | 69 | 6.500% | $515,000 | 1.4% |
| A&D Mortgage LLC | 67 | 6.125% | $515,000 | 13.9% |
| NexBank | 66 | 6.250% | $745,000 | 13.8% |
| Sierra Pacific Mortgage Company, Inc. | 64 | 6.500% | $565,000 | 11.8% |
| 1ST NORTHERN CALIFORNIA | 63 | 5.875% | $255,000 | 28.4% |
| CONVENTUS LLC | 61 | 9.750% | $605,000 | 0.0% |
| GOOGAIN, INC. | 59 | 6.375% | $515,000 | 0.0% |
| REDWOOD | 58 | 8.000% | $205,000 | 25.0% |
| Zions Bancorporation, N.A. | 58 | 6.250% | $590,000 | 22.7% |
| GUARANTEED RATE AFFINITY, LLC | 58 | 6.500% | $700,000 | 6.4% |
| NEXERA HOLDING LLC | 57 | 7.250% | $505,000 | 14.9% |
| QUORUM FEDERAL CREDIT UNION | 54 | 8.375% | $205,000 | 35.7% |
| OriginPoint, LLC | 53 | 6.500% | $965,000 | 5.4% |
| PENTAGON FEDERAL CREDIT UNION | 52 | 7.750% | $255,000 | 40.7% |
| UNION HOME MORTGAGE CORP. | 52 | 6.500% | $545,000 | 6.8% |
| Comerica Bank | 51 | 6.240% | $285,000 | 47.6% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 51 | 6.625% | $575,000 | 8.9% |
| NEW WAVE LENDING GROUP INC | 51 | 7.125% | $545,000 | 0.0% |
| City National Bank | 51 | 5.400% | $1,265,000 | 8.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 50 | 6.000% | $585,000 | 10.8% |
| CHAMPIONS FUNDING, LLC | 50 | 7.750% | $510,000 | 21.9% |
| AmeriSave Mortgage Corporation | 49 | 8.500% | $115,000 | 76.0% |
| Citadel Servicing Corporation | 48 | 7.313% | $390,000 | 4.6% |
| RESICENTRAL, LLC | 48 | 6.625% | $585,000 | 5.7% |
| NMSI, INC. | 48 | 6.500% | $540,000 | 0.0% |
| Flagstar Bank, N.A. | 46 | 6.104% | $815,000 | 34.7% |
| First-Citizens Bank & Trust Company | 46 | 5.990% | $295,000 | 19.3% |
| Lendage, LLC | 43 | 11.000% | $85,000 | 11.8% |
| LAKEVIEW LOAN SERVICING, LLC | 42 | 6.125% | $545,000 | 62.9% |
| NuVision Federal Credit Union | 42 | 4.990% | $125,000 | 40.8% |
| STANFORD Federal Credit Union | 40 | 7.313% | $255,000 | 4.6% |
| ALLIED MORTGAGE GROUP, INC. | 39 | 6.500% | $415,000 | 2.2% |
| HOMEXPRESS MORTGAGE CORP. | 38 | 7.375% | $440,000 | 45.1% |
| Fairway Independent Mortgage Corporation | 38 | 6.750% | $545,000 | 0.0% |
| Synergy One Lending, Inc. | 38 | 6.625% | $555,000 | 5.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 37 | 7.375% | $255,000 | 15.7% |
| STG MORTGAGE INC | 37 | 6.500% | $675,000 | 0.0% |
| Quontic Bank | 37 | 7.875% | $245,000 | 7.5% |
| TRIAD FINANCIAL SERVICES, INC. | 34 | 8.805% | $165,000 | 39.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 34 | 6.625% | $515,000 | 20.9% |
| TECHNOLOGY CREDIT UNION | 34 | 7.250% | $240,000 | 14.0% |
| KEYPOINT Credit Union | 33 | 6.490% | $205,000 | 15.4% |
| Discover Bank | 32 | 8.595% | $105,000 | 78.8% |
| Bethpage Federal Credit Union | 32 | 6.490% | $330,000 | 52.9% |
| UNCLE Credit Union | 32 | 6.490% | $150,000 | 20.0% |
| JMAC LENDING, INC. | 31 | 6.625% | $525,000 | 6.1% |
| LAND HOME FINANCIAL SERVICES, INC. | 31 | 6.750% | $565,000 | 2.9% |
| PLANET HOME LENDING, LLC | 30 | 5.990% | $660,000 | 23.1% |
| ARC HOME LLC | 30 | 6.995% | $595,000 | 0.0% |
| Plains Commerce Bank | 30 | 5.938% | $415,000 | 0.0% |
| Firefighters First Federal Credit Union | 28 | 7.750% | $240,000 | 9.7% |
| 21st Mortgage Corporation | 27 | 9.880% | $195,000 | 72.8% |
| Equity Prime Mortgage LLC | 27 | 6.375% | $565,000 | 18.2% |
| BAY EQUITY LLC | 27 | 6.750% | $595,000 | 6.9% |
| SCHOOLSFIRST | 27 | 5.875% | $145,000 | 6.9% |
| PHH Mortgage Corporation | 26 | 5.875% | $445,000 | 16.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 26 | 6.875% | $665,000 | 23.5% |
| Tri Counties Bank | 26 | 6.250% | $280,000 | 31.6% |
| Umpqua Bank | 25 | 8.250% | $235,000 | 42.9% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.500% | $495,000 | 43.8% |
| GOLDEN EMPIRE MORTGAGE, INC. | 25 | 6.250% | $465,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 25 | 6.625% | $555,000 | 10.7% |
| ZILLOW HOME LOANS, LLC | 24 | 6.188% | $635,000 | 14.3% |
| DHI MORTGAGE COMPANY, LTD. | 24 | 5.750% | $805,000 | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 24 | Not published | $165,000 | 6.5% |
| FlexPoint, Inc. | 23 | 6.625% | $405,000 | 0.0% |
| Ameris Bank | 23 | 6.125% | $535,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 22 | 7.438% | $575,000 | 58.5% |
| DEEPHAVEN MORTGAGE LLC | 22 | 8.063% | $480,000 | 45.0% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 8.990% | $450,000 | 17.7% |
| Valon Mortgage, Inc. | 22 | 7.940% | $75,000 | 22.9% |
| CAKE MORTGAGE CORP. | 21 | 7.250% | $915,000 | 4.6% |
| SmartFi Home Loans, LLC | 21 | 8.990% | $585,000 | 12.5% |
| THE POLICE Credit Union | 21 | Not published | $465,000 | 4.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 20 | 5.989% | $705,000 | 7.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 20 | 9.375% | $315,000 | 25.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 20 | 6.375% | $495,000 | 0.0% |
| UBS Bank USA | 20 | 6.000% | $1,405,000 | 9.1% |
| Fidelity Lending Solutions, Inc. | 20 | 6.750% | $405,000 | 0.0% |
| GoodLeap, LLC | 19 | 6.125% | $155,000 | 11.4% |
| VISTA POINT MORTGAGE, LLC | 19 | 7.750% | $595,000 | 21.4% |
| CLEAREDGE LENDING LLC | 19 | 6.875% | $955,000 | 20.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 6.562% | $465,000 | 69.4% |
| GENWAY HOME MORTGAGE, INC. | 18 | 7.375% | $460,000 | 35.7% |
| MERIWEST | 17 | 6.390% | $285,000 | 34.6% |
| ROYAL PACIFIC FUNDING CORP. | 17 | 6.625% | $545,000 | 12.0% |
| RIGHT START MORTGAGE, INC. | 17 | 6.490% | $555,000 | 0.0% |
| MISSION LOANS, LLC | 16 | 8.188% | $105,000 | 9.5% |
| NBKC BANK | 16 | 5.995% | $640,000 | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.125% | $610,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 16 | 7.125% | $130,000 | 5.9% |
| PULTE MORTGAGE LLC | 16 | 5.500% | $725,000 | 11.1% |
| HomeTrust Bank | 16 | 7.750% | $445,000 | 23.8% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 16 | 5.750% | $595,000 | 5.3% |
| Citizens Bank, National Association | 16 | 6.825% | $1,860,000 | 5.9% |
| VAL-CHRIS INVESTMENTS, INC. | 16 | 12.745% | $195,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 15 | 6.375% | $485,000 | 34.8% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 15 | 5.990% | $945,000 | 21.1% |
| First Bank | 15 | 7.000% | $495,000 | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 15 | 6.750% | $445,000 | 0.0% |
| GTE Federal Credit Union | 15 | 8.250% | $145,000 | 16.7% |
| TEACHERS FEDERAL CREDIT UNION | 15 | 5.625% | $945,000 | 0.0% |
| 254900YZ174H294JW398 | 15 | 7.000% | $705,000 | 0.0% |
| LoanUnited.com, LLC | 14 | 6.058% | $615,000 | 26.3% |
| 9845005BP6974AE5D838 | 14 | 6.999% | $420,000 | 13.0% |
| USALLIANCE FEDERAL CREDIT UNION | 14 | 7.875% | $370,000 | 16.7% |
| NQM FUNDING, LLC | 14 | 7.375% | $415,000 | 9.5% |
| Cathay Bank | 14 | 6.250% | $770,000 | 0.0% |
| Goldman Sachs Bank USA | 14 | 5.475% | $1,485,000 | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 13 | 8.240% | $105,000 | 55.2% |
| LENDSURE MORTGAGE CORP. | 13 | 7.250% | $625,000 | 41.7% |
| Barrington Bank & Trust Company, National Association | 13 | 6.875% | $485,000 | 6.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.375% | $605,000 | 13.3% |
| Watermark Capital, Inc. | 13 | 6.625% | $395,000 | 5.6% |
| DIGITAL | 12 | 7.625% | $280,000 | 36.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 9.740% | $580,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.875% | $655,000 | 6.3% |
| Home Mortgage Alliance Corporation (HMAC) | 11 | 9.490% | $145,000 | 42.9% |
| San Mateo Credit Union | 11 | 7.250% | $305,000 | 45.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.250% | $585,000 | 14.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 10 | 6.500% | $500,000 | 54.6% |
| OAKTREE FUNDING CORP. | 10 | 7.063% | $415,000 | 8.7% |
| SUMMIT FUNDING, INC. | 10 | 6.813% | $550,000 | 16.7% |
| Tomo Mortgage, LLC | 10 | 6.433% | $685,000 | 0.0% |
| SAFE Credit Union | 10 | 7.438% | $105,000 | 16.7% |
| Shea Mortgage Inc. | 10 | 6.750% | $380,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 10 | 10.000% | $575,000 | 0.0% |
| Emporium TPO LLC | 10 | 7.433% | $695,000 | 0.0% |
| BoxCar Mortgage, LLC | 10 | 6.188% | $490,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.313% | $505,000 | 0.0% |
| Axos Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Operating Engineers Local Union #3 | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Banner Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| First Bridge Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 8 | Under 10 loans | Under 10 loans | 42.9% |
| PANORAMA MORTGAGE GROUP, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 337 lenders each made 8 or fewer mortgages here, and are counted in the totals above.
Bank branches in Contra Costa County
171 FDIC-insured branches from 31 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Comerica Bank, 1442 N Main St, Walnut Creek
- Comerica Bank, 3110 Crow Canyon Pl, Ste A, San Ramon
- Comerica Bank, 318 Diablo Rd, Ste 100, Danville
- Gateway Bank, F.S.B., 1850 Mt Diablo Blvd, Ste 120, Walnut Creek
- Heritage Bank of Commerce, 1990 N California Blvd, Ste 100, Walnut Creek
- Heritage Bank of Commerce, 387 Diablo Rd, Danville
- U.S. Bank National Association, 3636 Lone Tree Way, Antioch
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When the next year’s lending figures are out for Contra Costa County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.